IMPS PayOut

Description:

This API enables PayOuts via IMPS (Immediate Payment Service) in India. It allows businesses and platforms to send funds instantly to beneficiaries’ bank accounts using their IFSC code and account number. The IMPS PayOut API supports real-time transfers and automated disbursements, making it ideal for payroll, vendor payments, refunds, and other instant fund transfers.

Allows the creation of pay-outs (outgoing payments).

URL:https://api.payelu.xyz/api/v1/payments/payout_hth

Country Uses:

India: IMPS

Request Parameters:

Parameter	Type	Description	Requeriment
`service_code`	string	’`IMPS_IN`’	required
`amount`	num	Amount to process. e.g. `123.45`	required
`reference`	string	Merchant’s Unique ID for transaction. It must be 22 alfanumeric digits (i.e. ‘`0000000000002507135224`‘)	required
`account_beneficiary`	string	Receiver’s name, must contain at least one Name and one Last Name	required
`account`	num	Bank account number of receiver	required
`account_inter_bank_code`	string	An IFSC code (Indian Financial System Code) is a unique identifier used in India to identify bank branches that participate in online money transfers	required

IMPS Example Request:


{
    "service_code": "IMPS_IN",
    "amount": 200,
    "reference": "0000000000002507135224",
 	  "account_beneficiary" : "XXXXXXX",
	  "account" : "7304196520853164",
	  "account_inter_bank_code" : "SBIN0014587"

}

IMPS Example Response:


{
    "status": "success",
    "data": {
        "transaction_id": "0aa78cb6-ea21-4e29-96f9-beb36d5b0a1c",
        "amount": 200,
        "currency": "INR",
        "status": "PENDING",
        "reference": "POUT9050133810",
        "created_at": "2025-10-03T22:08:07.616980+00:00",
        "updated_at": "2025-10-03T22:08:07.616980+00:00",
        "payment_id": "0aa78cb6-ea21-4e29-96f9-beb36d5b0a1c",
        "message": "Payout transaction created successfully"
    }
}

IMPS HPP & H2H 1. IMPS PayOut Country Uses:Request Parameters:IMPS Example Request:IMPS Example Response: